I-Global Mutual Funds ne-International Mutual Funds

Ukuqonda ukuhlukana phakathi kweengxowa-mali zehlabathi kunye ne-International Fund

Ngaba uye wafumana i-fund yomhlaba wonke okanye i-mutual fund kunye kunye nokuzibuza ukuba kukho umahluko phakathi kwababini? Kuthiwani ngesikhwama esisodwa esithi, "I-Asia yaseJapan" okanye into efanayo? Ezi azikho nje izihloko ezingenanto ezingabonakaliyo ezichazwe iinkampani zokulawula i-asethi - zixelela izinto ezithile malunga neentlobo zotyalo-mali ezikhoyo. Njengoko ndisebenze ekumiseni i-firm firm management firm esiza kubangela abanye ukuba babe ne-capital capital ephathwayo kunye nemali yentsapho yam, kuye kwenzeka ukuba abatsha-mali abatsha abanako ukuzazi ezi ngundoqo.

Oku ndikhathazayo kuba kubalulekile.

Ngokukuhamba ngawe, ndithemba ukukunika amandla okufumanisa uhlobo lokubamba okuza kukuvumela ukuba ulale kakuhle ebusuku, ukwazi kakuhle ukuba ungubani kwaye uqonda ngokucacileyo ingozi kunye namathuba okuba yingozi. Awuyi kukholwa ukuba bangaphi abantu abambonayo abathengayo izinto ezifana ne- ETF kunye nabangenayo ingozi abaye bazityhila ngayo kwaye, kwiimeko ezininzi, intsapho yabo. Ngenxa yokufuna ukwazi ngengqondo, ndandingavavanya nje ukuba ndiqhube umqhubi we-intanethi ngokuzenzekelayo kuphela, ukuze ndifumanise, ngethuba, licebise ulwabiwo-mali olubandakanya abatyali-mali abaqhelekileyo ukuthenga izibophelelo zangaphandle ezikhutshwa oorhulumente abazimeleyo kwilizwe lehlabathi lesithathu! Akubalulekanga ngokupheleleyo ukwakha ubutyebi . Ngaphezu koko, njengokuba umntu ojongene nemali yakho, akukho sikhokelo sokuncenga ukungazi kwixesha leenkcukacha.

Ukuba unjengabantu abaninzi, izinto ezintle usebenze kanzima ngemali yakho. Umsebenzi wakho ukuwukhusela kuqala kwaye phambili.

Yintoni ebizwa ngegama le-Mutual Fund? Iphendulela, iLote, e neneni. I-Global and International Mutual Funds ikunika iNgcamango yoMmandla weMeko yeMandla

Kwiminyaka emininzi edlulileyo, iKhomishana ye-Securities and Exchange, okanye i-SEC, yadlulisela umgaqo ofuna i- joint funds ukuze ityala imali engama-80% okanye ngaphezulu kweempahla ze-fund kwii-securities ezihambelana negama le-fund.

Ngokomzekelo, i-XYZ yexesha elide leNgxowa-mali yeBond iyakudinga ukugcina ubuncinane i-80% yeefa zeengxowa-mali kwiibhondi zexesha elide okanye bekuza kuphula umthetho. Oko kuthetha ukuba kungakhathaliseki ukuba ixabiso lemarike yeemasheya likhangeleke kangakanani okanye ukuba ukulawulwa kowomngcipheko kukholwa ukuba iimbopheleleko zangexesha elide, ulawulo luya kuqhubeka lufuneka ukuba lufake imali kwimibhonkxa ende. Ngokufanayo, i-ABC Utility Stock Fund iya kufuna ukugcina i-80% yeempahla zayo ezityalwe kwii-stocks stocks.

Ngoko ke, yintoni umehluko ochanekileyo phakathi kwe-fund ye-mutual fund kunye ne-international mutual fund?

• I-fund yemali yomhlaba wonke inika imali kwii-asethi emhlabeni jikelele kuquka nelizwe lasekhaya.
• I-fund ye-international mutual fund ityala kwii-asethi emhlabeni jikelele ngaphandle kwelizwe lasekhaya.
• "[Faka igama lelizwe apha]" i-collective fund inika imali kwingingqi ngaphandle kwemida emva kwe "ex". Ngokomzekelo, i-fund ebizwa ngokuba yinto efana ne "XYZ Asia Stock Fund yaseJapane" yayiza kutyalomla ubuncinane ama-80% kuma-stocks ase-Asia ngaphandle kwama-stocks aseJapan.

Esinye isifundo sokususa kulo eli gama ligama le-fund yakho iyabalulekile. Kufuneka ulungelelanise negunya lokutyalo mali .

Ngokomntu nangomsebenzi, ndikholelwa ukuba oku kuphuculwe kakhulu kwithuba elidlulileyo kuba abatyali-mali abangenalwazi abanokukhetha i-fund yegama labo, bathi "i-fundend fund", ngoku kuncinci isiqinisekiso sokuthi bafumana into ecaleni.

Njengoko kuhambelana nesi sihloko, kuthetha ukuba akufanele ufumane i-fund yelizwe lonke ephethe isiqingatha semali etyalomali e-United States kwaye ingachaneka ngokuchanekileyo ngokuthi yi-fund yehlabathi okanye i-fund yonke.

Ngaphandle kweenguqu zengqungquthela yokuchithwa kwemali, kubaluleke kakhulu ukuba uthathe ixesha lokufunda i-prospectus yesikhwama sokubambisana , oko kukuxwebhu oluqhekeza ingozi kunye nezicwangciso ezisetyenziswe ngumphathi wephothifoliyo ukukhetha utyalo-mali. Kwakhona kunika ulwazi malunga nomyinge weendleko zenkxaso-mali , obaluleke kakhulu kwimpumelelo yakho njengomtyalo-mali. Ukongezelela, uya kufuna ukujonga iphothifoliyo engaphantsi kweengxowa-mali zombini kwingxelo yonyaka .